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The 10 Best Home Care Agencies for Seniors in Falmouth, ME for 2024

Falmouth, Maine, is part of the Portland metropolitan area, but it has a small-town feel. Located on the Atlantic coast, Falmouth features plenty of natural and historical attractions to appeal to a wide variety of people. Falmouth is currently home to about 12,500 people, 20% of whom are seniors — substantially more than the national rate of 16.8%. Crime rates in Falmouth fall well below the national average for both property and violent crime, but the city’s cost of living is well above the national and state averages especially in the area of housing. However, health care costs run lower and Falmouth residents are only nine miles from the Maine Medical Center in Portland.

The 2021 Genworth Cost of Care Survey shows that seniors in Falmouth, included in the Portland area for data purposes, typically pay $5,840 per month in home care costs. Home care might be a good choice for people who need extra help, but not the light medical services provided by home health care.

Below we’ve compiled a comprehensive directory of every home care provider in Falmouth– complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Falmouth, ME

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Paying for Home Care in Falmouth, ME

The Cost of Home Care in Falmouth, ME

According to the 2021 Genworth Cost of Care Survey, home care costs in Falmouth, in the greater Portland area, come in at $5,840 per month. Falmouth’s home care costs run higher than the Maine average by $120, and an even greater cost gap, $883, exists between Falmouth’s average and the national average. Other cities in Maine offer savings in home care rates — Bangor by $120 and Lewiston by $501. Prices in neighboring Manchester, New Hampshire, though, are higher by over $300.

Falmouth

$5,840

Maine

$5,720

The United States

$4,957

Bangor

$5,720

Lewiston

$5,339

Manchester

$6,149

The Cost of Home Care vs. Other Senior Care Options in Falmouth, ME

Home care is among the least expensive care options for seniors in Falmouth. Only adult day programs are cheaper by $3,240. Home health care runs about $260 higher but it offers additional medical services, such as vital sign monitoring and therapy, excluded from home care. Assisted living is  more expensive at an additional $685 per month, while skilled nursing costs are even higher with a rise of over $5,400.

Home Care

$5,840

Home Health Care

$6,101

Adult Day Care

$2,600

Assisted Living

$6,525

Nursing Home Care (semiprivate room)

$11,315

Note: Data for Falmouth was unavailable, so data for the nearest city, Portland, was used instead.

Financial Assistance for Home Care in Falmouth, ME

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Falmouth Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Falmouth:

ResourceContactAddressService
Maine Weatherization Assistance Program (WAP)(207) 626-463926 Edison Drive, Augusta, ME 04330The Maine State Housing Authority administers the federally funded weatherization assistance program for this state. Funds are used as needed by local Housing Authority offices throughout the state and this includes the area around Falmouth. The program is available to all residents with an annual income of less than $21,896 for a single-person household or $29,614 for two-person households. Preference is given to the elderly who are 60 or older and to families with disabled members in their home. This weatherization service seals and insulates ductwork, windows, doors and other structural sections of the home no cost after an in-person professional assessment.
Meals on Wheels of Portland(800) 427-7411310 Broadway, South Portland, ME 04106The Meals on Wheels food program for the elderly in Portland and southern Maine is run by Southern Maine Agency on Aging. The service is operated by Agency staff and volunteers who deliver five frozen meals between 10:30 a.m. and 12:30 p.m. on Tuesdays and Thursdays free of charge. Meals on Wheels also offers a Phone Pal service for regular well-being checkups of enrolled senior citizens.
City of Portland Adult Day Services Program(207) 541-6619389 Congress Street, Portland, ME 04101The Adult Day Services Program of the city of Portland is administered by the municipal government and open to seniors in the area. It offers day care services for seniors who live alone or want to give their caregivers a rest from helping them. The specific services offered by this program to those enrolled in it include health and medication supervision by a registered nurse, two daily meals that consist of a breakfast and a nutritious lunch, and the opportunity to join in on therapeutic activities. These include classes in exercise, art and music among other options.
Southern Maine Agency on Aging(207) 396-6500Sam L. Cohen Center, 30 Barra Rd., Biddeford, ME 04005The Southern Maine Agency on Aging offers a whole range of services aside from its Meals on Wheels program for the elderly. Their other programs for seniors in Southern Maine and Falmouth include help with caregiver and Medicare management, counseling services for benefits, access to other government programs and courses in self-care and fall prevention for seniors. The SMAA also offers seniors enrollment in a volunteering initiative called the Retired and Senior Volunteer Program that can help them stay active and productive in their community. This service is available to older individuals who are 55 and over. The Agency also runs a respite care facility called the Sam L. Cohen Adult Day Center, for seniors with memory impairments.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.


Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

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Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs
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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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